Contact Margot Strong at 800-442-5762, ext. 6496 for additional information and pricing.
Based on National Credit Union Administration (NCUA) 5300 Call Report data, the Key Ratio Analysis Report is a comprehensive report analyzing key ratios relating to capital adequacy, earnings stability, asset quality, liquidity, and interest-rate risk. This report also includes an expense analysis for the credit union.
Cornerstone assists credit unions in creating investment and/or asset/liability management policies which meet the operational needs of the credit union and comply with NCUA/State Department of Credit Union guidelines.
This Excel based spreadsheet allows a credit union to determine liquidity seasonality or particular months of liquidity strain or surplus. Our staff assists with interpretation.
Cornerstone conducts onsite, customized credit union training for volunteers and staff. Training is individually tailored and highlights the asset liability management process, with particular emphasis on the strengths and weaknesses of the credit union. All will gain a better understanding of the general concepts of asset liability management as well as how ALM relates specifically to their credit union operation.
The value of a credit union specific training session is that it:
Virtual education provides an economical opportunity for ALM training without leaving your credit union. This delivery method offers an educational tool for board, management and staff to enhance their understanding and ability to evaluate the financial performance of the credit union.
Topics of instruction include:
Credit union professionals that desire a greater knowledge of ALM fundamentals might benefit from one-to-one ALM Mentoring. The specialized sessions include an overview of ALM principles and techniques with particular emphasis on the credit union's financial condition.
ALM mentoring is designed for individuals moving into senior management positions but who lack broad exposure to the ALM process. Training is tailored to meet the needs of the individual and conducted at their own pace. The information covered is roughly that of essentials and advanced workshops, yet expanded to include an assessment of ALM procedures in the individual's credit union.
These mentoring sessions are valuable for new board and staff members or individuals assuming greater levels of responsibility within a credit union.